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Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study


  • Adele Atkinson


  • Flore-Anne Messy



This paper presents the findings from an OECD International Network on Financial Education pilot study undertaken in 14 countries. The analysis focuses on variations in financial knowledge, behaviour and attitude across countries and within countries by socio-demographics.The results highlight a lack of financial knowledge amongst a sizeable proportion of the population in each of the countries surveyed. Furthermore, there is considerable room for improvement in terms of financial behaviour. Attitudes are shown to vary widely. These results will enable countries to identify needs and gaps in financial education provision and develop national policies or strategies. They also provide a sound evidence base for developing OECD recommendations and principles. Mesurer la culture financière: Résultats de l'étude pilote de l'OCDE / INFE Ce document présente les résultats de l’étude pilote effectuée par le Réseau international de l’éducation financière (INFE) de l’OCDE dans 14 pays. L’analyse porte sur les différences en matière de connaissance financières, de comportements et d’attitudes des individus entre les pays ayant pris part au pilote et au sein de ces pays en fonction de critères sociodémographiques. Les résultats révèlent le manque de connaissances financières d’une partie importante de la population dans tous les pays participant à l’étude. En outre, le comportement et les prises de décisions en matière financière de la population pourrait être très sensiblement amélioré. L’étude montre aussi de grandes variations en ce qui concerne les attitudes des individus dans ce domaine. Les résultats de cette étude permettront aux principaux responsables d’identifier les besoins et les lacunes de l’éducation financière dans leur pays et de développer des politiques et des stratégies nationales adaptées. Ils constituent également une source fiable de données permettant de développer les recommandations et principes de l’OCDE.

Suggested Citation

  • Adele Atkinson & Flore-Anne Messy, 2012. "Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study," OECD Working Papers on Finance, Insurance and Private Pensions 15, OECD Publishing.
  • Handle: RePEc:oec:dafaad:15-en
    DOI: 10.1787/5k9csfs90fr4-en

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    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement


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